GLASS CAP
Charter #13733 · Connellsville, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,712 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.35% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.41% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.99% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 67th — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GLASS CAP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.59M | 93th pct | 67th pct |
| Members | 4,712 | 95th pct | 77th pct |
| Net worth ratio | 17.80% | 75th pct | 70th pct |
| Return on average assets | 1.35% | 81th pct | 77th pct |
| Net interest margin | 4.41% | 75th pct | 79th pct |
| Cost of funds | 0.47% | 30th pct | 38th pct |
| Loan-to-share | 50.58% | 39th pct | 64th pct |
| Delinquency 60+ days | 0.99% | 68th pct | 82th pct |
| Net charge-off ratio | 0.10% | 46th pct | 36th pct |
| Loan growth YoY | -2.80% | 47th pct | 52th pct |
| Share growth YoY | 3.72% | 63th pct | 49th pct |
| Efficiency ratio | 73.43% | 34th pct | 44th pct |
structural peer set hash: 795e1586621615c74832a3ced47c6e67… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.